Bharat Banking:portfolio Rm

**RL - Rural Lending : National Product Head / Geography Head
- Farmer Finance**

**INTERNAL USAGE**:
**No. of Vacancies**:

- Nil**Reports to**:

- RL - Rural Lending: Business Head - Farmer Funding and Gold**Is a Team leader?**
- Y**Team Size**:

- 500-700**Grade**:

- SVP -1**Business**:

- Farmer Finance**Department**:

- Rural Lending**Sub **Department**:

- Farmer Funding**Location**:

- Central Office**About Rural Lending - Farmer Funding
Explain:
The program aims to provide timely credit facilities to Individual Farmers Farmer funding to meeting all their cultivation, farm maintenance, consumption and investment needs

**About the Role
Why does the role exist?

To drive the business budgets with compliance to the bank laid down policies, processes.What is its contribution towards the organization?

This role contributes in driving a business from the line team, Attrition control, P&L Profitability, Guiding the team till ground level.What is the size of the operation the position manages and supports?

Specific/ Mapped geographies of the India**Key Responsibilities
**Job Description:

- **
- Handling entire Farmer Funding Loan Sales and devising and implementing strategies for business improvement.
- Achievement of monthly Disbursement and Book targets of mapped geography
- To create new business relationships and manage existing internal and external tie-ups to push Farmer Funding Loan business
- Prevention of Fraud Occurrence, and effectively complying with audit and compliance queries.
- Conduct regular business reviews to ensure Sales numbers are on track and marketing activities/Expenses are within budget
- Create monthly and quarterly plans with respect to budget provided and devise ways to achieve the same
- To control the attrition at different levels of on-roll staff and off-roll staff, and oversee necessary recruitment with the cooperation of ZSMs and HR
- Prepare manpower requirement plan at the beginning of the year while covering all the assigned areas to maximize business from different areas To devise regional strategies to ensure team achieve benchmark productivity for both On-Roll and Off-Roll staff on business numbers**Key Result Areas:

- **
- Budget Achievement - By achieving the disbursement and book budget of the assigned territory
- Recruitment - by achieving the required quality levels of recruitment numbers in stipulated time and ensure mínimal attrition
- Channel business - To increase the proportion of business that is being sourced through alternate internal/external channels
- Process and Compliance - To achieve the highest level of operational and compliance superiority along with top line numbers.
- Attrition Control - To minimize the level of attrition at all levels of employees in the assigned team
- P & L Profitability

**Qualifications
Optimal qualification for success on the job is:

- MBA/Post graduate with relevant experience
- Experience of 10+ Years in Financial Services and Agri Business Industry

**Role Proficiencies:
- **Knowledge**

Knowledge of Agriculture ecosystem, Core Farmer Funding Functions, Products and Processes

Strong hold of regulatory guidelines and industry practices

Knowledge of Technology advancements in the industry etc
- **Skills**

Excellent communication (both verbal & written)

Inter-personal skills

Leadership and Team Management skills

Negotiation skills
- **Abilities**

Ability to work effectively across functions and demonstrated ability to coach and mentor others

Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment

Ability to prioritize and make decisions in a fast-paced environment

Ability to work as a part of team and contribute towards team goals

Ability to manage multiple tasks/projects and deadlines simultaneously